TEXT 6

A central bank also provides loans to its customers. But the customers are not individuals as in the case of commercial bank. The customers of central banks are governments, other commercial banks and financial institutions, A country will have one central bank. In England it is the Bank of England. In our country it is the Bank of Indonesia. The central bank often has a duty of formulating and implementing the country's monetary and credit policies, usually in co-operation with the government.
For us individuals, the commercial bank is more important because it directly provides us with services. We can enjoy the services by establishing an account at the bank. There are two kind of account. One is the savings account and the other is the current account. One advantage of having a current account is that we can pay using cheques. This means that we don't have to carry large amounts of money with us, and risk losing it.
Most banks, commercial banks, have two kinds of current accounts. One is the minimum balance account and the other is the special account. The former kind requires the customer to maintain in his account a certain amount as a minimum balance. But the bank will charge the customer a fee for each cheque he or she writes.

QUESTIONS :

1. What makes a central bank and a commercial bank different?
    A. It's services
    B. It's interests
   C. It's customers
   D. It's securities
   E. It's accounts
2. What account do you need if you want to do some shopping in a Supermarket
    without carrying a large   amount of money?
   A. Credit
   B. Loans
   C. Deposits
   D. Current account
   E. Saving account

3. It seems impossible for us, individuals, to borrow money from ...
   A. Commercial bank
   B. Central bank
  C. Private bank
  D. Foreign bank
  E. Financial institution

TEXT 5

When we buy canned or bottled food products at the grocer's or the supermarket, we will find out that there are some additives added to the main nutrients. An additives is a non-nutritive substance intentionally added to food generally in small quantities, to improve appearance, flavor, storage properties, etc.
Most governments issue lists of permitted additives stating the highest acceptable concentration, defining food products in which they may be used and sometimes recommending the maximum daily consumption. Such legislation is revised periodically, and product may be added to or deleted from permitted lists because of additional scientific knowledge and experience of their use.
A group of food additives includes vitamins, amino acids, and minerals which are added to foodstuffs to compensate for losses occurring during

processing or to provide additional sources in diet that might otherwise be deficient in such nutrients. Examples of their use include enrichment of margarine with the addition of vitamin A, and niacin amide to flour or bread. Salt often has a small amount of iodine to it to avoided a diet deficiency that can cause goiter development.
Appearance is an important factor in food appeal, and legislation in most countries permits the addition of both natural and synthetic coloring mater based on the coloring standards issued by the Food and Agriculture Organization (FAO) and World Health Organization (WHO).
Flavoring materials are added to basic foodstuff to; provide a characteristic product flavor or to supplement or modify the original flavor. Most flavoring materials are still of natural origin, but progress in organic chemistry has made, it possible to analyze flavoring materials and to synthesize product similar with those found in nature.
Flavor can also be influenced by the addition of the flavor enhancer such as monosodium glutamate which intensifies perception of flavoring
QUESTIONS :

1. Canned or bottled food product contain additives besides ...
    A. non-nutritive substances
    B. margarine with vitamins
    C. storage properties
    D. small quantities
    E. main nutrients
2. The lists of permitted additives were issued by ...
    A. grocer
    B. consumer
    C. legislation
    D. governments
    E. food producer
3. The iodine prevent us from developing ...
    A. decay
    B. goiter
    C. vitamins
    D. nutrient
    E. diet deficiency

4. In line 16, the word "it" refers to ...
   A. salt
   B. flour
   C. bread
   D. margarine
   E. niacin amide
5.The best title for the above text is ...
   A. Food and Vitamins
   B. Food and Additives
   C. Food and Their use
   D. Food and Nutrients
   E. Food and a Diet Deficiency

6. Tinned food is very practical, but it is not as good as ... food
    A. fast
    B. fresh
    C. bottled
    D. canned
    E. synthetic



7. We have known that ... food is necessary for healthy bodies and keen minds.
    A. fast
    B. sweet
    C. canned
    D. nourishing
    E. starchy